TimeRichFi

Should I Pay for Financial Advice?

Wondering if financial advice is worth it? Here’s what I learnt, and how independent advice helped me.

Explore my journey balancing mortgage repayments and investing.

I dreamt of being a neurosurgeon. I became a semi-retired GP living by the sea instead.

Living early retirement life now: exploring scuba diving in the Maldives and Vanuatu. Turning 40 and choosing experiences that matter.

Life is not a race. Lessons on pacing, persistence and running my own race.

Redefine what enough really means. Financial independence is more than numbers: it’s freedom to live with health, time and fulfilment.

Gratitude for the luxury of a hot shower. It’s a privilege that should not be taken for granted.

From landlocked beginnings to learning to surf. Finding joy, freedom and fulfilment along the way to early retirement.

How we planned a meaningful wedding on a budget: creative, personal and frugal without sacrificing style.

Experience the thrill of alpine hiking through breathtaking landscapes, playful moments and quiet reflection.

Sometimes growth means walking away. When a pay negotiation failed, I walked and it led to an offer 1.3 times higher.

Travel experiences pay memory dividends. Returns of joy, growth and adventure, invested in moments that make life feel truly rich.

Twenty years in Australia. Over a year since my last post. A reminder of how fast time really moves.

My years as a poor medical student sharpened my frugality and inspired The Frugal Doctor. Here’s how I learned saving alone won’t build wealth

Pay yourself first changed how I manage money. Prioritising savings created balance and freedom on my journey to financial independence.

In 2016 I realised my time wasn’t my own, so I stepped off the fast track to choose freedom. The turning point toward financial independence.